LM FUNDING AMERICA - Key Persons

Job Titles:

• Director
• Member of the Audit Committee
• Member of the Nominating and Corporate Governance Committee
• Member of the Nominating and Corporate Governance Team

Mr. Graham has served as a director of the Company since its initial public offering in October 2015. Since June 2008, Mr. Graham has served as Vice President, General Counsel and Secretary of HCI Group, Inc. (NYSE:HCI). From 1999 to 2007, Mr. Graham served in various capacities, including as General Counsel, for Trinsic, Inc. (previously named Z-Tel Technologies, Inc.), a publicly-held provider of communications services headquartered in Tampa, Florida. From 2011 to 2015, Mr. Graham served on the Internal Audit Committee of Hillsborough County, Florida. From 2007 to 2011, he served on the Board of Trustees of Hillsborough Community College, a state institution serving over 45,000 students annually. Mr. Graham holds a Bachelor of Science, major in Accounting, from Florida State University and a Juris Doctor, as well as a Master of Laws (LL.M.) in Taxation, from the University of Florida College of Law. Mr. Graham was licensed in Florida as a Certified Public Accountant from 1982 to 2001. As a Certified Public Accountant, he audited, reviewed and compiled financial statements and prepared tax returns. Mr. Graham's experience serving as general counsel to publicly-held companies brings to our Board of Directors a comprehensive understanding of public company operations, financial reporting, disclosure, and corporate governance, as well as perspective regarding potential acquisitions. With his accounting education and experience, he also brings a sophisticated understanding of accounting principles, auditing standards, internal accounting control and financial presentation and analysis.

Job Titles:

• Chairman of the Board of Directors, Chief Executive Officer and President
• Chief Executive Officer
• Member of the Nominating and Corporate Governance Team
• President

Bruce M. Rodgers. Mr. Rodgers serves as the Chairman of the Board of Directors, Chief Executive Officer and President of the Company. Prior to that, Mr. Rodgers owned Business Law Group, P.A. ("BLG") and served as counsel to the founders of LM Funding, LLC, the company's predecessor and wholly-owned subsidiary. Mr. Rodgers was instrumental in developing the Company's business model prior to inception. Mr. Rodgers transferred his interest in BLG to attorneys within the firm by means of redemption of such interest in BLG prior to the Company going public in 2015. Effective February 1, 2022, BLG transferred the Services Agreement with the Company to BLG Association Law, PLLC in which Mr. Rodgers is a 50% owner. The assignment of the Services Agreement was necessitated by the death of the principal attorney and owner of BLG. Mr. Rodgers served as Chief Executive Officer, President and Chairman of the Board of Directors of LMF Acquisition Opportunities Inc a Nasdaq listed special purpose acquisition public company from December 2020 to October 2022. Mr. Rodgers is a former business transactions attorney and was an associate of Macfarlane, Ferguson, & McMullen, P.A. from 1991 to 1995 and a partner from 1995-1998 and was an equity partner of Foley & Lardner LLP from 1998 to 2003. Originally from Bowling Green, Kentucky, Mr. Rodgers holds an engineering degree from Vanderbilt University (1985) and a Juris Doctor, with honors, from the University of Florida (1991). Mr. Rodgers also served as an officer in the United States Navy from 1985-1989 rising to the rank of Lieutenant, Surface Warfare Officer. Mr. Rodgers is a member of the Florida Bar and holds an AV-Preeminent rating from Martindale Hubbell. Mr. Rodgers brings to the Board of Directors considerable experience in business, management and law, and because of those experiences and his education, he possesses analytical and legal skills which are considered of importance to the operations of the Company, the oversight of its performance and the evaluation of its future growth opportunities. Furthermore, his performance as Chief Executive Officer has indicated an in-depth understanding of the Company's business. On November 11, 2022, Mr. Rodgers was appointed to the board of directors for SeaStar Medical Holdings Inc ("ICU"), a publicly held medical products company traded on the Nasdaq market ("ICU").

Job Titles:

• Member of the Nominating and Corporate Governance Team
• Carollinn Gould / Director

Carollinn Gould. Ms. Gould co-founded LM Funding, LLC, the Company's predecessor and wholly-owned subsidiary in January 2008, and currently serves as a director of the Company. Ms. Gould served as Vice President - General Manager and Secretary for the Company until September 30, 2020. Prior to joining LM Funding, LLC, Ms. Gould owned and operated a recruiting company specializing in the placement of financial services personnel. Prior to that, Ms. Gould worked at Outback Steakhouse (NYSE: OSI ) ("OSI") where she opened the first restaurant in 1989 and finished her career at OSI in 2006 as shared services controller for over 1,000 restaurants. Ms. Gould holds a Bachelor's Degree in Business Management from Nova Southeastern University. As a co-founder of LM Funding, LLC, Ms. Gould brings to our Board of Directors an encyclopedia of knowledge regarding LM Funding, LLC's growth, operation, and procedures. Since inception, Ms. Gould has controlled all bank accounts of the Company and managed its internal control systems. Ms. Gould also brings public company audit experience from her duties as controller at OSI and a wealth of personnel management and human resources skills.

Job Titles:

• Vice President of Strategy

Mr. Taylor currently serves as Vice President of Strategy of the company and joined the Company in February 2012. Prior to joining the Company, Mr. Taylor served in a variety of different roles in the real estate industry. Mr. Taylor holds a Bachelor's Degree in Political Science and Psychology from Vanderbilt University.

Job Titles:

• Director
• Member of the Audit Committee
• Member of the Compensation Committee
• Member of the Nominating and Corporate Governance Committee
• Member of the Nominating and Corporate Governance Team
• Audit / Account Circle / Compensation / Person / Nominating and Corporate Governance

Mr. McCree has served as a director of the Company since its initial public offering in October 2015. Mr. McCree has been with First Housing Development Corporation of Florida ("First Housing") since 2000 and has served as its Chief Executive Officer since 2004. From 1987 through 2000, Mr. McCree held various positions with Bank of America, N.A. including Senior Vice President-Affordable Housing Lending. Mr. McCree serves on numerous professional and civic boards. He received a B.S. from Vanderbilt University majoring in economics. Mr. McCree brings to the Board of Directors many years of banking experience and a strong perspective on public company operational requirements from his experience as Chief Executive Officer of First Housing.

Job Titles:

• Director
• Member of the Compensation Committee
• Member of the Nominating and Corporate Governance Team
• Managing Director of Osprey Capital

Mr. Silcox has served as a director of the company since January 2021. Mr. Silcox has been a Managing Director of Osprey Capital since March 2015. From 2008 until 2015, Mr. Silcox was co-founder and a Managing member of LM Funding LLC, a wholly-owned subsidiary of the Company. Mr. Silcox has owned FS Ventures since 2003 which makes a variety of investments in real estate ventures. Mr. Silcox holds a Bachelor of Science from the University of Tampa. Mr. Silcox brings considerable legal, financial and business experience to the Board of Directors. He has counseled and observed numerous businesses in a wide range of industries. The knowledge gained from his observations and his knowledge and experience in business transactions are considered important in monitoring the Company's performance and when we consider and pursue business acquisitions and financial transactions. His knowledge of other businesses and industries are useful in determining management and director compensation.

Job Titles:

• Chairman
• Director
• Member of the Audit Committee
• Member of the Compensation Committee
• Member of the Nominating and Corporate Governance Team

Mr. Mills has served as a director of the Company since August 2018 and has been a partner with the law firm Morrison & Mills, PA since 1989, a Tampa, Florida law firm that focuses on business law. Since November, 2011, Mr. Mills has been a founder and board member of Apex Labs, Inc (toxicology lab in Tampa, FL). Mr. Mills serves on the Alpha Tau Omega (Florida chapter) Board of Trustees numerous professional and civic boards. He received a Bachelor of Science from the University of Florida majoring in accounting and received a J.D. from the University of Florida. Mr. Mills brings to the Board of Directors many years of business and financial experience from his past experience as a founding board member and Audit Committee Chairman for Nature Coast Bank (OTCQB:NCBF), which was a publicly-held company, and his business law practice.

Job Titles:

• Legal Counsel

Job Titles:

• Chief Financial Officer

Mr. Russell has served as Chief Financial Officer of the Company since November 2017. Since 2016, he has provided financial and accounting consulting services with a focus on technical and external reporting, internal auditing, mergers & acquisitions, risk management, and CFO and controller services. Mr. Russell also served as Chief Financial Officer for Mission Health Communities from 2013 to 2016 and, before that, Mr. Russell served in a variety of roles for Cott Corporation from 2007 to 2013, including Senior Director of Finance, Senior Director of Internal Auditing, and Assistant Corporate Controller. Mr. Russell's extensive professional experience with public companies includes his position as Director of Financial Reporting and Internal Controls for Quality Distribution a previously listed publicly held company traded on the Nasdaq Stock Exchange ("QLTY") and as Danka's Director of Reporting from 2001 to 2004 a previously listed publicly held office imaging company traded on both the London Stock Exchange and the Nasdaq Stock Exchange ("DANKY"). Mr. Russell served as Chief Financial Officer and as a director of LMF Acquisition Opportunities Inc., which was a publicly traded special purpose acquisition company that has been trading on the Nasdaq since January 2021 until its merger with SeaStar Medical Holdings Inc ("ICU") on October 28, 2022. Mr. Russell also served on a part-time basis from December 2019 until February 2022 as Chief Financial Officer of Generation Income properties Inc. ("GIPR"), which is a publicly traded real estate company traded on the NASDAQ market. Mr. Russell earned his Bachelor of Science in accounting and a Master's in tax accounting from the University of Alabama, a Bachelor of Arts in international studies from the University of South Florida, and a Master's in business administration from the University of Tampa. On November 11, 2022, Mr. Russell was appointed to the board of directors for SeaStar Medical Holdings Inc ("ICU"), a publicly held medical products company traded on the Nasdaq market. On March 1, 2020, Mr. Russell was appointed to the board of directors for Trident Brands Inc. ("TDNT"), a publicly held consumer products company traded on the OTCQB market. Mr. Russell was also Chairman of the Hillsborough County Internal Audit Committee and a member of the Committee from September 2016 to April 2021. He was reappointed to the Committee in September 2022.

Job Titles:

• Vice President of Operations

Mr. Duran currently serves as Vice President of Operations of the company and joined the Company in March 2015. Prior to joining the Company, Mr. Duran served as Operations Manager of Business Law Group, since 2008. Mr. Duran holds a Bachelor's Degree in Real Estate and Finance from Florida State University.

Job Titles:

• Director
• Member of the Nominating and Corporate Governance Committee
• Member of the Nominating and Corporate Governance Team

Mr. Zhang has served in a variety of corporate counsel roles where he has years of experience with matters involving securities, corporate governance, employee benefits, acquisitions, and compliance. On November 28, 2022, Mr. Zhang will assume the role of Vice President, Associate General Counsel for Intertape Polymer Group, Inc. Prior to that, Mr. Zhang served as Director, Senior Counsel and Assistant Secretary at Bloomin' Brands, Inc. from September 2020 to November 18, 2022, as Director, Corporate Counsel at TECO Energy, Inc. from July 2018 through August 2020, and as an associate with the law firm DLA Piper LLP from April 2017 to June 2018. Prior to his time with DLA Piper LLP, Mr. Zhang held various other corporate attorney roles at public and private companies. Mr. Zhang obtained his Juris Doctor from Stetson University College of Law in 2011 and his Bachelor's Degree from the University of Florida in 2007.

Job Titles:

• Director of Crypto Strategies

Mr. Liebel currently serves as Director of Crypto Strategies of the company and joined the Company in September 2019. Prior to joining the Company, Mr. Liebel served as an analyst for Pursuant Capital. Mr. Liebel holds a Bachelor's Degree in Entrepreneurial Studies from the University of Tampa.